Game of two halves
However, the past year does appear to have experienced two different halves in some countries. For example, investment in UK fintech during the second half of 2025 was up 11% on the first half of the year.
Economic Secretary to the UK Treasury Lucy Rigby says: “UK fintech continues to show real strength and resilience, with an upsurge in investment in the second half of last year and the UK firmly established as Europe’s leading fintech hub.”
On the UK fintech market, Janine Hirt, CEO of Innovate Finance, says: “Our latest investment figures show the resilience, strength, and global competitiveness of our phenomenal UK fintech ecosystem. Attracting a strong US$3.6bn in investment in 2025 – and again claiming second place globally behind only the United States – the UK has once again proven its credentials as a world-leading financial innovation and technology hub.”
Janine adds: “Other countries are quickly gaining pace however, and so to maintain our global lead it is imperative that we push ahead on delivering key regulatory reforms with speed, increase access to growth capital, and continue to foster an environment which is attractive for both domestic and international entrepreneurs and investors.”